Key Roles and Responsibilities include:- Forecasting and Budget Lead- Portfolio profitability and analytics- Product-level profitability analyses- Pricing strategy across front and back-books- Competitive management / benchmarking- Portfolio yield management (including re-pricing actions)- Cost of Funds management- Acquisition universe expansion- Pricing change implementation (product builds) - Credit Risk policy relaxations / Risk appetite capacity utilisation - Benchmarking vendor management

A key contributor to the delivery of the P&L and delivery of Sales, Retention, Income, Cost & Contribution lines. In particular, deliver the income targets set out in the business plan.A key contributor to the 5 year plan via reforecast process, challenging stakeholders to drive an optimal result.Owner of the pricing of the Loans product range, balancing delivery of multiple objectives (lending, return, risk), and making informed judgements in terms of the competitive environment. Provided robust monitoring to drive optimal and profitable Channel performance to deliver and exceed plan. Identify areas of opportunity where we under-perform in the market and work with key stakeholders to build a plan to remedy.Delivered & optimised Profitability on new business (NPVs & RRRs), deliver the APR on new lending & retention & optimise of RBP. All within the bounds of an appropriate conduct environment with fair outcomes for customersA key contributor to the Risk agenda for loans within the overall business objectives. Identify areas of opportunity where we under-perform and work with key stakeholders to build a plan to remedy